What the loan looks like
One payment of up to $250,000 comes in, and you repay it over up to 18 months. Pricing begins as low as a 1.18 factor, reserved for the strongest files.
- Size: as much as $250,000
- Length: terms of up to 18 months
- Pricing: from a 1.18 factor at the low end, for businesses that qualify
- Mechanics: one lump sum, repaid on a fixed schedule
Reading a factor rate
A factor rate is not an annual percentage. Multiply it by the amount you borrow and you get your total repayment, before any other fees, spread across the term.
| Item (illustrative only, not our terms) | Example |
|---|---|
| Amount borrowed | $100,000 |
| Factor | 1.18 |
| Total repayment | $118,000 |
Before you accept any offer, ask for the total repayment amount in writing so the number you compare is the real one.
Why a fixed schedule suits an operating budget
With a fixed schedule, the same payment comes due on the same cadence, and that makes it easier to slot into a weekly cash plan next to payroll and vendor invoices. The tradeoff is that you borrow the full amount at once, so it fits best when the amount is known before you start.
- You can set the payment against your normal sales rhythm rather than guess at it
- There is no balance to manage between draws, because there are no draws
- The finish line is visible from the first day
If your need is repeated or hard to predict, a line of credit tends to match it more closely.
Who this loan is built for
Established operators are the target. The profile that tends to do well combines 3+ years in business, a 650+ personal credit score, and revenue of $25,000 or more per month.
| Requirement | What a strong file shows |
|---|---|
| Years in business | 3 or more |
| Owner credit score | 650 or higher (personal) |
| Revenue | $25,000 or more each month |
| Ownership | Applicant holds at least 50% |
| Entity | LLC or corporation; sole proprietorships and nonprofits are not eligible |
| Geography | Available in most states |
Read this table as a general profile, not a verdict in either direction. If you fall short on one, you can still apply. Restaurant Capital Now will say so directly if this product is not the match and show you what is.
Term loan or line of credit
Pick a term loan for a single planned expense at a known price. Pick a line of credit for needs that repeat or arrive unannounced.
This loan: up to $250,000 over terms up to 18 months, for a single planned expense at a known price. The line of credit: up to $350,000 over terms up to 36 months, for needs that recur or surprise you.
For every option in one view, use the funding comparison page.
Documents and next steps
Plan on three things: your recent business bank statements, the basic details of the business and its owners, and a few words on what the money is for.
One short application is all it takes. Restaurant Capital Now reviews it and puts your file in front of funders whose programs suit it. For operators who qualify this is among the stronger choices, though never the only one, and you see the full repayment number before you decide. You are under no obligation to accept an offer. Start your application.
Frequently asked questions
Who provides the funding?
The funder that approves your file provides the loan. Restaurant Capital Now helps you present a complete file and compare the offers you receive.
What does "as low as a 1.18 factor" mean?
The factor is multiplied by the amount you borrow to produce the total repayment. 1.18 is the rate for the strongest files, and your actual factor depends on your file and may be higher.
Can I repay early?
Early repayment terms vary by funder. Ask whether paying early lowers the total cost before you accept an offer.
What if my restaurant does not qualify for this specific loan?
Your file is reviewed against several products. If this loan is not the right fit, you will be shown other options that match your business more closely.
Is a term loan right if my cash needs change week to week?
Usually a line of credit is closer to that pattern, since you draw and repay as needs shift. A term loan suits a single cost whose price you already know.
What states is this available in?
The loan is available to operators in most states. A small number of states are not currently eligible, so apply to see whether your business qualifies.
See your real number
One secure application. No obligation to accept an offer.
Updated October 4, 2026 · Restaurant Capital Now Funding Team